Union Bank of India – Investor Presentation Summary

Key Operational Highlights

  • Domestic advances to Infrastructure sector increased to ₹1,10,669 crore (10.43% share) in Jun-26 from ₹92,688 crore (9.88%) in Jun-25.
  • Domestic advances to NBFCs and HFCs grew to ₹1,70,064 crore (16.03% share) in Jun-26 from ₹1,27,660 crore (13.61%) in Jun-25.
  • Power sector advances within Infrastructure reached ₹53,325 crore (5.03% share) in Jun-26, up from ₹38,455 crore (4.10%) in Jun-25.
  • Renewable Energy advances grew to ₹19,937 crore (1.88% share) from ₹14,497 crore (1.55%), with Solar at ₹14,800 crore (1.39%) and Wind at ₹463 crore (0.04%).
  • Road sector advances increased to ₹43,798 crore (4.13% share) from ₹33,757 crore (3.60%).

Key drivers of operational performance: Strong growth in corporate lending particularly to Infrastructure, NBFCs, and Power sectors.

Segment-wise Performance

  • Retail Loans: NPA ratio improved to 0.89% in Jun-26 from 1.19% in Jun-25, with outstanding NPA reducing to ₹2,291 crore from ₹2,716 crore.
  • Agriculture Loans: NPA ratio improved to 7.49% in Jun-26 from 8.42% in Jun-25, with outstanding NPA reducing to ₹13,715 crore from ₹14,452 crore.
  • MSME Loans: NPA ratio improved to 4.15% in Jun-26 from 4.39% in Jun-25, with outstanding NPA increasing to ₹6,975 crore from ₹6,348 crore.
  • Large Corporates: NPA ratio improved to 0.99% in Jun-26 from 1.70% in Jun-25, with outstanding NPA reducing to ₹4,396 crore from ₹6,518 crore.

Explanation of significant changes in segment performance: Improvement across all segments driven by better asset quality management and recovery efforts.

Financial Highlights

Revenue: Not explicitly stated as single figure

  • Interest Income: ₹27,203 crore in Jun-26 (Q1 FY2027), up 1.06% YoY from ₹26,919 crore in Jun-25
  • Net Interest Income: ₹10,037 crore in Jun-26, up 10.14% YoY from ₹9,113 crore in Jun-25
  • Non-Interest Income: ₹4,603 crore in Jun-26, up 2.61% YoY from ₹4,486 crore in Jun-25

EBITDA: Not Specified

PAT: ₹5,332 crore in Jun-26 (Q1 FY2027), up 29.54% YoY from ₹4,116 crore in Jun-25

EPS: Not Specified

Margins: Not Specified

YoY/QoQ comparison: Operating Profit increased 15.83% YoY to ₹8,003 crore; Provisions decreased 4.40% YoY to ₹2,670 crore

Drivers of financial performance: Higher Net Interest Income growth and controlled operating expenses.

Comparison to market estimates: Not Specified

Key Risks: Not explicitly disclosed in presentation

Geographical Revenue Split

Domestic vs Export/Regional Revenue: Not Specified

Balance Sheet Snapshot

Net Debt/Equity: Not Specified

Reserves: Not Specified

Current Assets/Liabilities: Not Specified

Working Capital/Leverage Metrics: Not Specified

Financial Health Insights: Not Specified

Capex & Cash Flow Health

Capital Expenditure: Not Specified

Free Cash Flow: Not Specified

Operating Cash Flow: Not Specified

Net Debt Movement: Not Specified

Investment Rationale: Not Specified

Strategic & R&D Initiatives

Investments in Innovation: Not Specified

Expected impact on growth: Not Specified

Strategic Rationale: Not Specified

Industry Trends & Business Environment

Macro/Industry Trends: Not Specified

Impact on Company: Not Specified

Management Commentary & Growth Outlook

Strategic Outlook: Not Specified

FY Guidance: Not Specified

Market Share Targets: Not Specified

Risks and Opportunities: Not Specified

Investment Portfolio

  • Total Domestic Investments: ₹3,33,067 crore as of Jun-26
  • SLR Investments: ₹2,61,387 crore (75% of total), with HTM at ₹2,14,324 crore, AFS at ₹43,757 crore, FVTPL/HFT at ₹4,194 crore
  • Non-SLR Investments: ₹70,295 crore (20% of total), with HTM at ₹47,047 crore, AFS at ₹12,314 crore, FVTPL/HFT at ₹2,059 crore
  • Modified Duration: SLR at 4.79%, Non-SLR at 2.13%

Credit Quality Metrics

  • Gross NPA Ratio: Improved to 2.65% in Jun-26 from 3.52% in Jun-25
  • SMA-0: ₹947 crore in Jun-26 (down from ₹1,566 crore in Jun-25)
  • SMA-1: ₹278 crore in Jun-26 (down from ₹723 crore in Jun-25)
  • SMA-2: ₹1,157 crore in Jun-26 (down from ₹2,628 crore in Jun-25)

Capital Adequacy

  • CRAR: 18.46% (including ₹800 crore not considered in PCR and CRAR)
  • Board Approved Capital Plan (FY27): ₹8,000 crore (AT-1: ₹3,000 crore, Tier-II: ₹5,000 crore)

Rating Agency Updates

  • CRISIL: AT-1 AA+/Stable, Tier-II AAA/Stable (11.12.2025)
  • ICRA: Tier-II AAA/Stable (26.03.2026)
  • India Ratings: AT-1 AA+/Stable, Tier-II AAA/Stable (16.01.2026)
  • CARE: AT-1 AA+/Stable, Tier-II AAA/Stable (13.03.2026)
  • Brickwork: AT-1 AA+/Stable, Tier-II AAA/Stable (18.09.2025)
  • S&P Global: Issuer Rating BBB/Stable (20.11.2025)
  • Fitch: Issuer Rating BBB-/Stable (25.02.2026)
  • CARE ESG: CareEdge-ESG 1+ (17.02.2026)

Government Schemes Performance

  • PMSVANidhi: 11,36,673 accounts sanctioned, ₹1,835 crore disbursed
  • PM Vishwakarma: 46 accounts sanctioned during Q1FY27
  • PMEGP: 1,348 accounts sanctioned, ₹160 crore disbursed during Q1FY27
  • Union Guaranteed Emergency Credit Line: 4,17,950 accounts sanctioned, ₹27,201 crore disbursed
  • Pradhan Mantri Mudra Yojana: 1,53,849 accounts sanctioned, ₹4,868 crore disbursed during Q1FY27
  • PM Surya Ghar Muft Bijali Yojana: 33,215 accounts sanctioned, ₹621 crore disbursed during Q1FY27

Subsidiaries & Joint Ventures

  • Union Bank of India (UK) Ltd. (100% holding): Geographical benefits in UK and Europe business
  • Union Asset Management Co. Pvt. Ltd. (100%): AUM of ₹28,701 Crores, pan-India presence
  • UBI Services Ltd. (100%): Sourcing Retail loans for parent Bank
  • Andhra Bank Financial Services Ltd. (100%): Leasing, Hire purchasing and Merchant Banking
  • Union Trustee Co. Pvt. Ltd. (100%): Trustee company for Union Mutual Fund
  • Star Union Dai-ichi Life Insurance Co. Ltd. (25.10%): Fast-growing private life insurance company with 174 branches
  • ASREC India Ltd. (27.30%): NPA resolution through DRT approval
  • Andhra Pradesh Grameena Bank (35% associate): Serving rural populace of Andhra Pradesh

Awards & Recognition

  • Winner of \"Cyber Security Team of the year\" award at 5th IBA CISO Summit & Citations 2026
  • IIBF Banking Excellence L&D Awards 2026 under 'Excellence in Compliance & Governance Education' category